What are the opening hours?

Monday 9am - 12:30pm 1:30pm - 5pm Tuesday 9am - 12:30pm 1:30pm - 5pm Wednesday 9am - 12:30pm 1:30pm - 5pm Thursday 9am - 12:30pm 1:30pm - 5pm Friday 9am - 12:30pm 1:30pm - 4pm

Amber River C&M

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For all your Financial & Mortgage needs

Amber River C&M
(Formerly Campbell & McConnachie Ltd and Julia Williams Financial Planning Ltd) Chartered Financial Planners & Mortgage Advisers based in Moray, Scotland

23/10/2026

⭐⭐⭐⭐⭐ Another 5-star review on VouchedFor!

Chartered Financial Planner, Elaine Finlay received this glowing review from a client in Angus.

"Elaine has reviewed our portfolio and discussed openly and honestly the pros and cons of following different investment strategies. She has advised us in a professional and friendly manner and has made several changes to re-balance and re-direct our savings. Elaine also went through an in-depth cash flow analysis to help us feel more comfortable with the ability to have enough funds when we retire.

"We feel more confident with the changes that Elaine has made and now better understand how to manage our investments going forward. We have also seen improved returns on the investments that have been re-balanced at Elaine's suggestion."

Elaine and the whole team at Amber River C&M would like to thank you for taking the time to share your experience!

For an appointment with Elaine, or with any of our advisers, please call 01343 814000 or email [email protected]

✅ VouchedFor is the UK's trusted source for independent reviews of financial and mortgage advisers.

Amber River

22/10/2026

⚖️ Changes to how pensions are treated for Inheritance Tax could mean more estates face an IHT liability from 2027.

For many families, this makes it more important than ever to understand how pensions fit into your wider estate and financial plan.

Planning ahead can help you understand your potential tax position and make informed decisions about your wealth and the legacy you leave behind.

Get in touch with us to discuss how these changes could affect your financial plan and what steps you could take to prepare.

For peace of mind, call 01343 814000 for an appointment with an adviser near you.

21/10/2026

🏡 Even before you start saving, we can help,
We'll listen to your situation and explain your options. You'll leave with a clear idea of what you can afford and how much you need for a deposit. Then come back when you're ready to arrange the mortgage.

💻 You don't even need to come into the office. We can arrange appointments at a time to suit, over the phone or on a video call, if that suits you best.

📞 Just call 01343 814000 and ask for an appointment with one of our friendly advisers.

🍂 Giving you peace of mind and the time to enjoy the fun side of finding a new home!

Amber River

16/10/2026

🎉 Two grand prize draws – your chance to win! 🎉

You could win some fantastic prizes while helping us raise vital funds for Friends of "The Oaks" - Elgin

We have two exciting prize draws running right now, with some brilliant prizes up for grabs!

🙏 A huge thank you to our generous sponsors and everyone who has bought tickets so far. Your support means so much!

🎟️ Draw 1: The main raffle – £1 per ticket

Some of our fantastic prizes include:

🥃 A bottle of Benromach wh**ky from Gordon & MacPhail
⚖️ Will writing worth £250 + VAT from James & George Collie LLP
🌿 A voucher from Twisted Thistle, Fochabers
🛍️ A £50 voucher from MY Lossiemouth
🎁 Prizes from TheHarbour Lights, The Pier, Lossiemouth and many more!

🌸 Draw 2: The exclusive skincare hamper – £5 per ticket

🧡 Treat yourself to a gorgeous hamper of premium natural skincare from our lovely friends at . A fabulous prize for any skincare lover!

🎟️ How to enter

📍 In person: Pop into the office and buy your tickets directly from reception.

💻 Online: Donate via our JustGiving campaign here: 👉 https://www.justgiving.com/campaign/amberrivercm-friendsoftheoaks-2026

Please make sure you state which prize draw you'd like to enter when donating!

📅 Save the date – 29 October! 🥳

The live draw takes place on 29 October. Join us to find out who the lucky winners are!

🧡 Every ticket helps us raise funds for , so why not have a go? You could win a fantastic prize while supporting a great cause!

A massive thank you to all our wonderful sponsors and supporters. We couldn't do it without you! 🙌

Please like, share and spread the word! ❤️

Amber River Lossiemouth Business Association

14/10/2026

Early retirement, or semi-retirement is something we often help our clients with.
Is it an option for you? Call 01343 814000 to make an appointment with an adviser in an office near you.

09/10/2026

🧡 You can help others like you make their best financial decisions

👍According to a report by The Lang Cat, personal recommendation is one of the biggest factors in choosing a financial adviser.

🙂 If you're a client, would you recommend our services?
We'd appreciate it if you would!

🙂 Share any of our posts or tag if someone is looking for advice.

🙌 Leave a review;
On Facebook
https://www.facebook.com/amberrivercm/reviews
Under 'Do you recommend Amber River C&M, click Yes, then add your comment.

On Google
https://g.page/r/CVvzlvjNAphpEB0/review

🙏Thanks for your support!

08/10/2026

🍂 The answer will be as unique as you are.

At Amber River C&M, we know that everyone is different, so we take time to listen and understand first, and then use our experience and knowledge to help you develop an appropriate investment portfolio for your circumstances.

🍂 Whatever stage in life you're at, our experts can help you plan for a life well-lived, whatever that means to you.

Email [email protected] or call 01343 81400 for a no-obligation appointment with one of our friendly advisers.

07/10/2026

🏠 Want to buy your first-home but don’t think you can afford the full price?
The Scottish Government's Low-cost Initiative for First Time Buyers (LIFT) could help.

📈 These shared equity schemes have helped thousands people to buy their first home. Get up to 40% funding towards the cost of a property.

👍 We can help you with your application and find you a great deal on a mortgage.

📞 For more information and to see if you might qualify for this scheme, email [email protected] or give us a call on 01343 814000 / 01464 820206 / 01738 440690.

Find out more about the scheme at the LIFT website - https://linkhousing.org.uk/lift/

02/10/2026

🚴‍♀️ David's back in the saddle!

Our Managing Director, David McConachie, joined over 100 riders from across the investment industry in a challenging 320km cycle from Vienna to Budapest for the TAM Asset Management Charity Bike Ride 2026.

💉 The event raised an incredible £177,000 for Action Medical Research, helping support vital research into the health of babies and children.

🚴‍♀️ Congratulations to David and everyone who supported this epic adventure!

Amber River

01/10/2026

🌻 Check your pension to help your retirement bloom

Think of your pension like a garden.
The more care and attention you give it, the more it can grow.

🌷October is pension awareness month.
Here are three simple steps to nurture your retirement:

1. Check your pension pot
- Log in now to see what's in your pot

2. Find your missing pots you might have from old jobs
- Use the government's pension tracing service - https://www.gov.uk/find-pension-contact-details

3. See how it can grow and how much you'll need for your future
- Talk to one of our independent financial planners

Call
📞 Lossiemouth 01343 814000
📞 Insch 01464 820206
📞 Perth 01738 440690
Or email [email protected] and we'll get back to you.

Amber River

Address

Harbour House, 1, Shore Street
Lossiemouth
IV316PD

Opening Hours

Monday	9am - 12:30pm
	1:30pm - 5pm
Tuesday	9am - 12:30pm
	1:30pm - 5pm
Wednesday	9am - 12:30pm
	1:30pm - 5pm
Thursday	9am - 12:30pm
	1:30pm - 5pm
Friday	9am - 12:30pm
	1:30pm - 4pm

Telephone

+441343814000

Website

https://amberriver.com/offices/amber-river-cm/

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